Sample Visurly report — synthetic example

Executive summary

2 active findings · 1 of which transfers with the property

Ownership	1 owner registered · piena proprietà 100%	INFO
Voluntary mortgage	Yes — €145,000 registered 12/04/2019	WARNING
Liens / seizures	Yes — pignoramento esattoriale €12,750 (23/05/2023)	RED FLAG
Cleared encumbrances	2 historical mortgages, fully cancelled	CLEAR
OMI valuation	€1,250–€1,650 / m² · med €1,450 (Spoleto centro, 2025-S2)	INFO

Bottom line: The property has clean title with a single registered owner. There is one standard mortgage from the current owner's purchase (cancellable at closing in the normal way), and one judicial tax-seizure that must be confirmed satisfied before signing — a pignoramento esattoriale survives the sale and the creditor (Agenzia Entrate Riscossione) can execute against the property even after you've bought it.

§1 — Property

Identification

Address: Via dei Tigli 23 — Spoleto (PG) 06049, Umbria
Comune (cadastral code): Spoleto · I921
Cadastral identifiers: Foglio 18 · Particella 245 · Sub. 3
Cadastral category: A/3 — residence (ordinary)
Surface area (catastale): 105 m² · 4.5 vani
Rendita catastale: €482.30 / year
Class: Classe 4
Other units at this address: 2 garages, 1 cantina (separate sub-units)

View other units at the same address (informational)

Sub.	Category	Description	Rendita
1	C/6	Garage / box auto	€42.18
2	C/2	Cantina (cellar)	€18.96
3	A/3	Residential (THIS UNIT)	€482.30
4	C/6	Garage / box auto	€42.18

If your purchase includes a garage or cellar, confirm the relevant sub-unit numbers are in the preliminare.

Source: Visura catastale per immobile + elenco immobili · Catasto Edilizio Urbano (Agenzia delle Entrate Territorio).

§2 — Current legal owner

As of 2026-04-11

Owner	Codice Fiscale	Share	Title type
BIANCHI ELENA (b. Perugia, 1971)	BNCLNE71****G478R	100%	Piena proprietà

Source: Visura ipotecaria — Conservatoria dei Registri Immobiliari, Ufficio di Perugia · Codice Fiscale partially masked per Visurly's GDPR redaction policy. Real reports include the full CF.

§3 — Title chain & encumbrances

Full registry-note history

All trascrizioni, iscrizioni, and annotazioni attached to this cadastral parcel — the same trail your notaio walks at closing.

#	Date	Type of note	Type of act	Reg. Gen. / Part.	Status
1	06/11/1998	Trascrizione contro	Compravendita (sale to previous owner)	RG 1421 / RP 387	Historical
2	06/11/1998	Iscrizione	Ipoteca volontaria (detail not pulled — cancelled)	RG 1422 / RP 388	Cancelled 03/2017
3	12/04/2019	Trascrizione a favore	Compravendita (sale to current owner)	RG 4566 / RP 890	Current title
4	12/04/2019	Iscrizione	Ipoteca volontaria (€145,000 · Cassa Provinciale dell'Umbria S.p.A.)	RG 4567 / RP 891	ACTIVE
5	23/05/2023	Trascrizione	Pignoramento esattoriale (€12,750 · Agenzia Entrate Riscossione)	RG 8923 / RP 2145	ACTIVE — RED FLAG

Active findings — detail

Finding 1 · Standard mortgage

Voluntary mortgage (ipoteca volontaria)

ACTIVE

Creditor:: Cassa Provinciale dell'Umbria S.p.A.
Registered:: 12 April 2019
Original amount:: €145,000
Duration:: 25 years (matures 04/2044)
Notary:: Dott. Paolo Conti, Spoleto
Repertorio:: 2456/2019
Status:: Active — no cancellazione recorded.

Plain English: The current owner financed her 2019 purchase with a 25-year mortgage. This is a normal voluntary mortgage. It does not transfer to you automatically, but it must be formally cancelled (cancellazione) at closing — the seller pays the cancellation fee, and you pay only the residual balance to the bank if rolling it over, or zero if buying outright. Your notaio handles the mechanics.

Finding 2 · Tax seizure

Tax-collection seizure (pignoramento esattoriale)

RED FLAG

Creditor:: Agenzia delle Entrate Riscossione (Italian tax-collection agency)
Registered:: 23 May 2023
Amount:: €12,750 (tax debt principal)
Cartella esattoriale:: 097/2022/00134567
Status:: Active — no satisfaction (estinzione) recorded.

Plain English: The Italian tax-collection agency has placed a seizure on this property to secure an unpaid tax debt of €12,750. A pignoramento survives the sale as a real-rights encumbrance — the creditor can execute against the property even after you've bought it. This is the most important finding in this report.

⚠ Before you wire any deposit: confirm with your notaio that the underlying tax debt has been satisfied AND that a formal cancellation note has been recorded against the property. A verbal assurance from the seller is not sufficient.

Source: Ispezione ipotecaria nazionale — Conservatoria dei Registri Immobiliari, Ufficio di Perugia. All registry numbers (RG = registro generale, RP = registro particolare) are verifiable directly with the Conservatoria.

§4 — OMI price reference

Italian Revenue Agency statistical price range

OMI zone: Spoleto — Centro storico
Zone band (fascia): Centrale
Property type: Abitazioni civili (residential, normal state)
Period: 2025 · semester II

Range	€ / m²	Implied total (105 m²)
Minimum	€1,250	€131,250
Median (med)	€1,450	€152,250
Maximum	€1,650	€173,250

Plain English: OMI is the Italian Revenue Agency's statistical reference range, not a legally binding price. It's what the tax authority uses internally as a sanity-check. If the asking price is meaningfully above the maximum or below the minimum, ask the seller and your notaio why — it's a question worth raising before the deposit.

Source: Banca dati delle quotazioni immobiliari · OMI · Agenzia delle Entrate.

§5 — Questions to ask your notaio

Built from this property's findings

The €12,750 pignoramento esattoriale (Finding 2) — Has the underlying tax debt been satisfied? Get written proof of payment AND confirmation that a formal cancellazione del pignoramento has been recorded against the property at the Conservatoria. Do this before signing the preliminare.
The €145,000 voluntary mortgage (Finding 1) — Is it being cleared at closing? Who pays the cancellazione fee, and when does the cancellation become effective at the registry? (It's not always the same day as the closing.)
Cadastral conformity — Confirm the planimetria catastale matches the actual layout (Legge 122/2010, Art. 19, c. 14). If it doesn't, we have a conformità problem and the sale can be challenged.
Condominio arrears — The buyer is liable for the previous 2 years of unpaid spese condominiali under Art. 63 disp. att. c.c. Confirm with the amministratore in writing that there are no arrears.
Preliminare trascritto — Is there a preliminare di vendita registered against the property by another buyer? This isn't visible in the encumbrance trail; ask explicitly.
Vincoli (Soprintendenza, paesaggistici) — Spoleto's centro storico is partially under heritage protection. Confirm there are no constraints that block your renovation plans.

§6 — Source data & methodology

How this report was assembled

Catasto Edilizio Urbano — Property identification, cadastral category, surface, rendita, plus all other sub-units at the same address. Pulled from Agenzia delle Entrate Territorio.
Conservatoria dei Registri Immobiliari · Ufficio di Perugia — Full title chain (all transcribed acts, all mortgage registrations, all cancellations). Detailed amounts and creditor data pulled only for active findings — cancelled history shows the existence of the act but not the underlying amounts (cost optimisation; the cancelled detail is not financially relevant to your purchase).
OMI quotazioni · Banca dati delle quotazioni immobiliari — Statistical price range for the OMI zone covering this property. Pulled from Agenzia delle Entrate.

Every claim in this report cites the registry note number (RG / RP) so your notaio can verify it directly with the Conservatoria. Reports are delivered as a single PDF in Italian + English, with the methodology page included.

Scope: Visurly synthesises data from the Italian public registries (Catasto, Conservatoria dei Registri Immobiliari, Agenzia delle Entrate). It is a due-diligence aid, not a legal opinion or a substitute for the notarial check performed at closing. We do not inspect physical condition, planning-permission status (abusivismo), condominio arrears, agibilità, or matters not transcribed in the public registry. The 20-year title chain (ventennale) is not replicated by this report — your notaio performs that at closing.

Data freshness: Registry data is pulled at the moment of report generation. Encumbrances can be registered the day after — for high-stakes transactions, request a fresh report close to your closing date.

Visurly is operated by Lior Kaplan. Data sourced via authorised channels from the cited public Italian registries.